Woodward County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 405 mortgage applications in Woodward County, OK totaling $57.3 million, down 14% from 2022. The average application was for $141,000, and applicants reported an average income of $75,000. 49% of applications resulted in an originated loan and 17% were denied. The most active lender was Great Plains National Bank, with 39 applications, followed by Guaranteed Rate, Inc. and Gateway First Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 405 |
| Total Mortgage Loan Application Amount | $57,255,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $529,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 1,458,130,000 | 39 | $ 5,805,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 21 | $ 3,785,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 16 | $ 2,230,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 16 | $ 3,150,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 15 | $ 1,665,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 14 | $ 1,760,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 14 | $ 1,430,000 |
| Banccentral, National Association 604 FLYNN ST ALVA, OK 73717 |
* | $ 377,319,000 | 13 | $ 1,005,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 2,702,968,000 | 12 | $ 1,490,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 12 | $ 1,880,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 12 | $ 1,920,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 1,285,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 1,583,235,000 | 9 | $ 1,015,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 1,780,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 7 | $ 705,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 1,005,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,085,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 647,283,000 | 6 | $ 1,060,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 1,080,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 260,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 625,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 745,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 585,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 470,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 4 | $ 780,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 780,587,000 | 4 | $ 200,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 460,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 260,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 4 | $ 320,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ 14,547,035,000 | 4 | $ 520,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 3 | $ 505,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 435,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 435,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 3 | $ 245,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 3 | $ 405,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 535,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 505,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 3 | $ 315,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 2 | $ 330,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 280,000 |
| First Bank & Trust Company, Perry, Oklahoma PO BOX 878 PERRY, OK 73077 |
* | $ 225,163,000 | 2 | $ 1,250,000 |
| Financial Concpepts Mortgage 2949 S BRYANT EDMOND, OK 73013 |
* | $ -1,000 | 2 | $ 380,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 2 | $ 200,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 150,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 150,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 140,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 290,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 2 | $ 240,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 360,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 580,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 160,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 38,279,055,000 | 2 | $ 130,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ -1,000 | 1 | $ 315,000 |
| Sovereign Bank 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 814,463,000 | 1 | $ 285,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 115,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 195,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 295,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 295,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 1 | $ 75,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 305,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 165,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 155,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 185,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 155,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 155,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 305,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 185,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 145,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 115,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,646,842,000 | 1 | $ 55,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 175,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 2,863,212,000 | 1 | $ 185,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 55,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 115,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 3,078,918,000 | 1 | $ 25,000 |
| Nbc Oklahoma WICHITA, KS 67207 |
* | $ 894,928,000 | 1 | $ 195,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 105,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 185,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 175,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 115,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 55,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 135,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 95,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,942,106,000 | 1 | $ 245,000 |
| Valor Bank 1501 RENAISSANCE BLVD EDMOND, OK 73013 |
* | $ 198,913,000 | 1 | $ 305,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 345,000 |
The tables below break down 2023 mortgage applications in Woodward County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Woodward County, OK in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 277 | $41,645,000 | $150,000 | $1,105,000 | $69,000 | $264,000 |
| Cash-out Refinancing | 52 | $8,280,000 | $159,000 | $615,000 | $75,000 | $261,000 |
| Refinancing | 36 | $4,330,000 | $120,000 | $355,000 | $109,000 | $529,000 |
| Other Purpose | 25 | $2,065,000 | $82,000 | $305,000 | $85,000 | $392,000 |
| Home Improvement | 15 | $935,000 | $62,000 | $115,000 | $88,000 | $250,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 260 | $36,160,000 | $139,000 | $615,000 | $78,000 | $529,000 |
| Not applicable | 65 | $10,765,000 | $165,000 | $1,105,000 | $44,000 | $44,000 |
| Not Provided | 31 | $4,075,000 | $131,000 | $355,000 | $62,000 | $160,000 |
| Hispanic | 28 | $3,200,000 | $114,000 | $355,000 | $60,000 | $198,000 |
| American Indian or Alaskan Native | 18 | $2,660,000 | $147,000 | $365,000 | $71,000 | $392,000 |
| Black or African American | 2 | $230,000 | $115,000 | $115,000 | $79,000 | $84,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 230 | $31,770,000 | $138,000 | $1,105,000 | $81,000 | $529,000 |
| FHA-insured (Federal Housing Administration) | 112 | $15,730,000 | $140,000 | $315,000 | $66,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,760,000 | $169,000 | $305,000 | $76,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,995,000 | $137,000 | $235,000 | $62,000 | $103,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 200 | $28,830,000 | $144,000 | $1,105,000 | $79,000 | $529,000 |
| Application Denied By Financial Institution | 67 | $8,425,000 | $125,000 | $355,000 | $65,000 | $152,000 |
| Loan Purchased By The Institution | 54 | $8,430,000 | $156,000 | $615,000 | $62,000 | $118,000 |
| Application Withdrawn By Applicant | 53 | $7,535,000 | $142,000 | $395,000 | $60,000 | $248,000 |
| File Closed For Incompleteness | 22 | $2,860,000 | $130,000 | $305,000 | $103,000 | $392,000 |
| Application Approved But Not Accepted | 9 | $1,175,000 | $130,000 | $285,000 | $88,000 | $198,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 314 | $45,510,000 | $144,000 | $615,000 | $76,000 | $392,000 |
| Debt-To-Income Ratio | 42 | $5,760,000 | $137,000 | $1,105,000 | $72,000 | $529,000 |
| Credit History | 20 | $2,700,000 | $135,000 | $355,000 | $76,000 | $152,000 |
| Collateral | 13 | $1,235,000 | $95,000 | $315,000 | $56,000 | $96,000 |
| Credit Application Incomplete | 7 | $935,000 | $133,000 | $185,000 | $91,000 | $152,000 |
| Other | 4 | $330,000 | $82,000 | $105,000 | $61,000 | $87,000 |
| Unverifiable Information | 4 | $670,000 | $167,000 | $255,000 | $87,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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